Search found 1190 matches

by snailderby
Tue Sep 29, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 45
Views: 1758

Re: Replacement for a good pocket point-and-shoot camera?

Not to hijack the thread, but since nobody else seems to have asked, I will. Where was this taken? It's a beautiful scene! Badlands National Park. It is a small world too. :D This is a photo that I took for a class where I needed a square photo. https://live.staticflickr.com/65535/50399120873_d966a...
by snailderby
Tue Sep 29, 2020 7:07 pm
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: VHT And VNQ

You are wasting your time worrying about the funds or stocks to use, you need to find a way to increase your contributions. My suggestion is simply use a single target date fund or Vanguard LifeStrategy fund in your IRA, and contribute the maximum allowed every year. When just starting the most imp...
by snailderby
Tue Sep 29, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 45
Views: 1758

Re: What Android smartphone to replace a good pocket point-and-shoot camera?

Thanks to all who have replied, particularly atikovi, Watti, and several who suggested the Sony RX100 series. I was too pessimistic. At the moment new RX100s are out of my price range but maybe for my birthday. It is probably the right idea. atikovi's suggestion is interesting but that particular m...
by snailderby
Tue Sep 29, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]
Replies: 228
Views: 16162

Re: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]

So nearly two years later and after Vanguard has lowered the cost of VIOV to 0.15% vs IJS at 0.25%, anyone have a different opinion on these two than before? Two changes since we had this discussion years ago: 1. SLYV has supposedly fixed its distribution issues, so it may be OK to hold in a taxabl...
by snailderby
Sun Sep 27, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: iShares MSCI World ETF vs. Vanguard VT
Replies: 9
Views: 869

Re: iShares MSCI World ETF vs. Vanguard VT

URTH has only been around for 6.5 years. During that time frame, developed markets outperformed emerging markets. See https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=1000...
by snailderby
Sun Sep 27, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: ETF alternatives to VASIX
Replies: 5
Views: 364

Re: ETF alternatives to VASIX

AOK (0.25%) or EAOK (0.18%) might fit the bill. I think they're both roughly 1/3 stocks.
by snailderby
Sun Sep 27, 2020 9:01 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11977

Re: Long Suffering VXUS Holder No More

burritoLover wrote: Sun Sep 27, 2020 8:55 am
The picture shows up fine for me. That's a really interesting chart.
by snailderby
Sun Sep 27, 2020 8:57 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: VHT And VNQ

VHT (vanguard health care etf) or VNQ (vanguard real estate etf)? Vnq is really popular amongst posters or four fund portfolios - yet vht has 400 holdings which is higher than vnq, less expense ratio . Also MSCI rates vht at 5.94/10 while vnq at 4.31/10. Furthermore their performance over 10 years ...
by snailderby
Sun Sep 27, 2020 8:53 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: three fund vs four funds and bonds

1. I'm assuming that the three-fund portfolio you're referring to is this (https://www.bogleheads.org/blog/2020/01/03/three-fund-portfolio-2019-update/), and the four-fund portfolio you're referring to is this (https://www.bogleheads.org/wiki/Vanguard_four_fund_portfolio). Vanguard explained its rat...
by snailderby
Sun Sep 27, 2020 8:45 am
Forum: Personal Investments
Topic: A Low-Cost Diversified Emergency Fund Strategy
Replies: 25
Views: 2252

Re: A Low-Cost Diversified Emergency Fund Strategy

As far as the unasked question of whether this makes sense for your emergency fund specifically, there are many multi-page threads debating the merits of putting emergency funds in risky assets. In my opinion, that topic has been beaten to death, buried, resurrected as a vampire, stabbed through th...
by snailderby
Sun Sep 27, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I Quit Hated Job And Take 80% Pay Cut?
Replies: 57
Views: 6585

Re: Should I Quit Hated Job And Take 80% Pay Cut?

1. If you can live comfortably on $20K per year in your wife's home country, and your rental generates $9K per year, then you just have to cover $11K per year to retire there, right?

2. Would you be OK with living in your wife's home country for the rest of your life?
by snailderby
Sun Sep 27, 2020 6:46 am
Forum: Personal Investments
Topic: 401 eliminating some Vanguard funds
Replies: 8
Views: 620

Re: 401 eliminating some Vanguard funds

What funds (Vanguard or non-Vanguard) will remain, and what are their expense ratios?
by snailderby
Sat Sep 26, 2020 10:38 am
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6537

Re: VXUS - Why? [Vanguard Total International Stock ETF]

greek-yogurt wrote: Fri Sep 25, 2020 4:06 pm USA WILL OUTPERFORM FOREIGN FROM 2020 AND FORWARD. Beyond a shadow of a doubt.
Well, if you can predict the future with complete certainty, I suppose your decision is a no-brainer, right?
by snailderby
Sat Sep 26, 2020 10:24 am
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1407

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

A lingering question, which I know has been debated here ad nauseum, concerns the efficacy of incorporating an international bond fund. Vanguard's argument that a hedged international bond fund can provide additional diversification while reducing potential US-currency risks, if I understand the ar...
by snailderby
Fri Sep 25, 2020 6:22 pm
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1652

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

Also consider whether the simplicity of managing your child's 529 with a single log-in is more important than a small difference in expense ratios. NV (Vanguard) and NH (Fidelity) are worth considering for this reason, and still have very competitive fees. (KS (Schwab) has higher fees than NV and NH...
by snailderby
Fri Sep 25, 2020 6:15 pm
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1652

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

I wish my state (CA) did have a tax benefit for contributing to 529, but it does not. Nevada's 529 is certainly under consideration but I'd like to see all states that offer Vanguard investments and compare total fees. This page shows states with Vanguard investments: https://personal.vanguard.com/...
by snailderby
Fri Sep 25, 2020 6:09 pm
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1652

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

And unlike NY, IL lets you mix and match any of these funds to your heart's content. I see several static funds are available for NY. You can't mix and match them? I should have been more clear. You can mix and match the NY 529's "individual portfolios." But like masrepus noted, I don't think the N...
by snailderby
Fri Sep 25, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2991
Views: 1907653

Re: The Three-Fund Portfolio

How does everyone factor private investments or any other such alternatives you happen to have (precious metals, crypto, etc.) into a three fund portfolio for stock/bond ratio purposes? Should they be held against your total equity holdings, or allocated outside of the TSM/bond split? Mostly asking...
by snailderby
Fri Sep 25, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2991
Views: 1907653

Re: The Three-Fund Portfolio

How does everyone factor private investments or any other such alternatives you happen to have (precious metals, crypto, etc.) into a three fund portfolio for stock/bond ratio purposes? Should they be held against your total equity holdings, or allocated outside of the TSM/bond split? Mostly asking...
by snailderby
Fri Sep 25, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 59133

Re: Why not 100% PSLDX?

Does this fund lean closer to a 90%/10% VT/BNDW portfolio, or a 55%/45% UPRO/TMF? Trying to decide if this is a happy medium between choosing to partake (or not partake) in UPRO/TMF. For AA considerations most people seem to treat this as 100% S&P500, but since this fund uses leverage I feel like i...
by snailderby
Fri Sep 25, 2020 9:54 am
Forum: Personal Investments
Topic: Portfolio review and encouragement to continue with law practice
Replies: 10
Views: 536

Re: Portfolio review and encouragement to continue with law practice

+1 to everything tashnewbie wrote. OP, congratulations on the baby (and starting your own law practice)! There are a lot of things in life that are more important than money, and leaving BigLaw sounds like a great move for work-life balance/general sanity. I don't have too much to add to tashnewbie...
by snailderby
Fri Sep 25, 2020 9:02 am
Forum: Personal Investments
Topic: Two 401k accounts: Previous and Current Employer
Replies: 13
Views: 679

Re: Two 401k accounts: Previous and Current Employer

1. Are you sure the ERs for those funds are not 0.0235% and 0.025%?

2. I don't completely understand your question. Can you restate it? Are you asking whether you should roll your old 401(k) into your current 401(k)?
by snailderby
Fri Sep 25, 2020 8:57 am
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1652

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

Fidelity's NH 529 plan charges 0.11 for the total stock market fund, 0.15 for the total international stock market fund, and 0.12 for the intermediate treasury fund. Like I mentioned above, IL charges 0.10, 0.15, and 0.11 for its Vanguard index funds. CA charges 0.06, 0.10, and 0.12 for its TIAA fun...
by snailderby
Fri Sep 25, 2020 8:47 am
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1407

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

I agree that a 10% tilt is unlikely to make a big difference one way or another. But you should not tilt more than you are comfortable with. That's a recipe for second-guessing and bailing on your decision if SCV continues lag the market. So if you're not comfortable tilting more than 10% to SCV...d...
by snailderby
Fri Sep 25, 2020 8:35 am
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1652

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

Check out Illinois (Bright Start). It charges:

0.10% for the Vanguard Total Stock Market Index
0.15% for the Vanguard Total International Stock Market Index
0.11% for the Vanguard Total Bond Market Index

And unlike NY, IL lets you mix and match any of these funds to your heart's content.
by snailderby
Thu Sep 24, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2991
Views: 1907653

Re: The Three-Fund Portfolio

Interesting. I saw this in another post: The traditional three-fund portfolio starting at world market cap ratio and not reinvesting dividends will continue to track world market cap on its own if you don't touch it, anyway. Is this true? If I start VTI and VXUS at market weight holdings (looks to ...
by snailderby
Thu Sep 24, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 161692

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks, I will put up a new thread on this. 50k is for savings other than our 401ks and Roth IRAs. We dont have a taxable account since I am new to the boglehead forums. Thanks for your advice. Rocky, I've read several of your threads, one on you and your spouse's 401(k)s, one on HSAs, and one on B...
by snailderby
Thu Sep 24, 2020 7:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Global Credit Fund VGCIX - What's the catch?
Replies: 11
Views: 1032

Re: Vanguard Global Credit Fund VGCIX - What's the catch?

If I invested in bonds as a counterweight to stocks, I would be concerned about VGCAX's high correlations with VTI. This means I might have to hold more of VGCAX to achieve the same reduction in volatility. See https://www.portfoliovisualizer.com/asset-correlations?s=y&symbols=VTI+SCHR+VGCAX&timePer...
by snailderby
Wed Sep 23, 2020 1:59 pm
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6537

Re: VXUS - Why? [Vanguard Total International Stock ETF]

You cannot argue with what 10K invested in each have actually returned over the last 10 years, which is: 10y 10K into VIGAX is now $54.5K 10y 10K into VXUS is now $13.5K This is not "performance chasing" but the observations of a moderately high IQ investor who is questioning international holdings...
by snailderby
Wed Sep 23, 2020 9:14 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: High Dividend for diversification

anaelmasri, I'm still unclear what your goal is. Is it dividend income? In your other thread, you suggested "buying high dividend individual stocks like a KO or JNJ ... to build dividends with time." Similarly, in this thread, you ask about buying "a solid 10 to 15 stocks or etfs or whatever to hold...
by snailderby
Wed Sep 23, 2020 8:41 am
Forum: Personal Investments
Topic: A Low-Cost Diversified Emergency Fund Strategy
Replies: 25
Views: 2252

Re: A Low-Cost Diversified Emergency Fund Strategy

Thanks for the responses thus far. My question was more focused on given the decision to use a fund like this as the EF, what are the pros/cons to investing in the individual backing funds directly instead of the single fund provided by Fidelity. Has anyone done this? Are the tax benefits worth the...
by snailderby
Tue Sep 22, 2020 6:49 pm
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6537

Re: VXUS - Why? [Vanguard Total International Stock ETF]

Welcome to the forum! Why hold international? See this graphic: https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/II/int_investing_myths_2019_chart_2.jpg Or check out past threads on this. Whether to hold international stocks (and if so, how much) is a frequently-debated top...
by snailderby
Tue Sep 22, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: How to imitate DFA Global Equity Portfolio with ETF?
Replies: 8
Views: 596

Re: How to imitate DFA Global Equity Portfolio with ETF?

Welcome to the forum! Are you looking for a global equity portfolio with a small-cap/value tilt? If so, here are a few ways to get there with ETFs: 1. Use VT (Vanguard Total World Stock Index Fund ETF) as a starting point and add VBR (Vanguard Small-Cap Value Index Fund ETF), SLYV (SPDR S&P 600 Smal...
by snailderby
Tue Sep 22, 2020 9:32 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: My four plan vanguard portfolio !

how about high dividend individual stocks like a KO or JNJ to buy and hold with VTI VXUS and small percentage of bonds - better than a VYM for example? to build dividends with time? Again, what's your goal? Maximum diversification? Dividends? Something else? On dividend investing, see https://www.b...
by snailderby
Mon Sep 21, 2020 8:51 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: My four plan vanguard portfolio !

I am about the three core portfolio but want one more etf but not matter what you try to diversify there will be some overlapping Why do you want to add one more ETF? VTI + VXUS together already cover most of the investable global stock market. The three-fund portfolio is not the only way to go. Bu...
by snailderby
Mon Sep 21, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Cash that's been on sidelines for 2-3 months
Replies: 9
Views: 1571

Re: Cash that's been on sidelines for 2-3 months

Welcome to the forum, QP1512! Instead of betting on individual sectors and rotating between an energy select sector ETF (XLE) and an individual tech stock (AAPL), consider investing in a diversified total stock market fund (like VTI or VT), combined with a high-quality bond fund (like a total bond m...
by snailderby
Mon Sep 21, 2020 8:38 am
Forum: Personal Investments
Topic: My four fund portfolio
Replies: 10
Views: 1031

Re: My four fund portfolio

Welcome to the forum, Ben! 1. Is this in a taxable account or a tax-advantaged account. Consider maxing out any available tax-advantaged accounts before investing in a taxable account, at least for retirement funds. See https://www.bogleheads.org/wiki/Prioritizing_investments. 2. VEU is fine, but it...
by snailderby
Fri Sep 18, 2020 1:44 pm
Forum: Personal Investments
Topic: Opinions on 100% into VGT and QQQ
Replies: 33
Views: 2542

Re: Opinions on 100% into VGT and QQQ

It does not look like buying high and selling low. It looks like buying the best thing because you are performance chasing, but you keep an eye on VTSAX, because that's the benchmark to tell you that the performance you are chasing is, in fact, out performing and worth the extra risk. The moment yo...
by snailderby
Fri Sep 18, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: New X1 Credit Card (3%)
Replies: 15
Views: 2462

New X1 Credit Card (3%)

The card offers 3 points on every dollar spent if you spend more than $15,000 on the card in one year. Points are worth 1 to 2 cents apiece, depending on the merchant. No annual fee. You can also generate virtual card numbers for one time purchases where you don't want the vendor to have your regula...
by snailderby
Fri Sep 18, 2020 11:14 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: My four plan vanguard portfolio !

I read about bogle recommending at most 5% in stocks if feasible so I am thinking why not? As far as I know, Bogle didn't encourage investors to buy individual stocks, as much as he discouraged them from holding more than 5% in individual stocks, if they wanted to gamble a portion of their money. W...
by snailderby
Thu Sep 17, 2020 12:38 pm
Forum: Personal Investments
Topic: Personal finance
Replies: 23
Views: 2538

Re: Personal finance

I have been thinking of withdrawing the 529 & moving it into a brokerage account. I started in 2015 so the tax penalty won’t be much as earnings r not that high. And my son has shown no interest in college but wants to go to trade school. Do you think that’s an ok move ? Like Lady Geek said, 529 fu...
by snailderby
Wed Sep 16, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13744

Re: Is this guy trying to scam me on a car I'm selling?

Sounds fishy to me. I have bought and sold cars on Craigslist without ever receiving such a long, flattering email...from anyone. Usually, people just want to know more about the car's condition or ask when they come and test drive it. The fact that this guy is discussing payment options extensively...
by snailderby
Wed Sep 16, 2020 4:41 pm
Forum: Personal Investments
Topic: Opinions on 100% into VGT and QQQ
Replies: 33
Views: 2542

Re: Opinions on 100% into VGT and QQQ

You didn't ask about this, but see whether you're eligible to contribute to an HSA or backdoor Roth before investing in a taxable account.
by snailderby
Wed Sep 16, 2020 4:36 pm
Forum: Personal Investments
Topic: Opinions on 100% into VGT and QQQ
Replies: 33
Views: 2542

Re: Opinions on 100% into VGT and QQQ

Will tech continue to dominate our world for the rest of our lives? Absolutely. Are tech stocks priced accordingly? Absolutely. Stocks outperform when they beat expectations, not just because that business or sector did better than other business or sectors. A company/sector can even have declining...
by snailderby
Tue Sep 15, 2020 8:51 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 140
Views: 2609

Re: My four plan vanguard portfolio !

I read alot of VTI and VXUS . for some reason as how the SPY in a way is the pulse of the market, adding a percentage to the VOO even if lower is a smart idea to double on the same horse while also diversifiying with the VTI and VXUS , maybe get in 2 percent or so BND to help diversify more. I feel...
by snailderby
Mon Sep 14, 2020 1:22 pm
Forum: Personal Investments
Topic: New 529 Plan
Replies: 10
Views: 660

Re: New 529 Plan

If you want the simplicity of a single login, consider NV (Vanguard) or NH (Fidelity). If you're looking for a plan with low fees, consider CA (ScholarShare) or IL (Bright Start). If you're a fan of Mel's Unloved Midcaps, check out NY or UT (my529). If you're a value tilter who wants access to DFA f...
by snailderby
Thu Sep 10, 2020 3:56 pm
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 145
Views: 10340

Re: Modern Indexing SP500

The S&P 500 may not be a pure index fund, but it's pretty close. It certainly acts more like an index fund than 99% of actively-managed funds out there. Most managed funds hold a small fraction of the market and actively try to pick winners to outperform the market. The S&P 500 committee only occasi...
by snailderby
Wed Sep 09, 2020 9:42 am
Forum: Personal Investments
Topic: Favorite 529 plan these days?
Replies: 21
Views: 1656

Re: Favorite 529 plan these days?

If your state offers a tax deduction only if you use your state's 529 plan, go with your state's plan unless it is horrible. If you want the simplicity of a single login, consider NV (Vanguard), NH (Fidelity), or KS (Schwab). If you're looking for a plan with low fees, consider CA (ScholarShare), SC...
by snailderby
Tue Sep 08, 2020 10:11 am
Forum: Personal Investments
Topic: Personal finance
Replies: 23
Views: 2538

Re: Personal finance

1. I would not recommend speculating in individual stocks. 2. A Vanguard target-date fund is a great choice if all of your assets are in tax-advantaged accounts. It's simple. It's diversified. It will automatically rebalance for you and adjust your asset allocation as you near retirement. If you hav...
by snailderby
Tue Sep 08, 2020 10:03 am
Forum: Personal Investments
Topic: Designing my Portfolio
Replies: 7
Views: 767

Re: Designing my Portfolio

Welcome to the forum! 1. I agree with lakpr's suggestion to pay off your mortgage. 2. Are you eligible to contribute to an HSA? The more money you can invest in tax-advantaged accounts rather taxable accounts, the better. 3. You asked whether you should use a LifeStrategy fund or "use my own blend o...